On February 17, 2025 ABI (Italian Banking Association) made data on Interest rates of interest Related to January 2025, which recorded a drop in the past.
Their trends have always been carefully monitored by those who invest or want to invest in the real estate market. In fact, many surprisingly is whether this deficiency, when registering, may agree with it The right opportunity to buy a house. And by analyzing the number, there are some interesting ideas for investors.
How much interest rate has decreased
According to data published by ABI on February 17, 2025, the average rate of new operations for housing purchases, which stood on it in January 2025 3,09 %Showed a light Decrease over the previous month (When equal to 3.11 %) and to be much lower than the peak of December 2023 (when it was 4.42 %). There is also an average rate of total loans Landed at 4.31 %, Lower below 4.44 % of December 2024.
It shows the lower prices A Maximum convenience Properties for buyers, who can benefit from light and less heavy funding in a long time. Therefore, compared to 2023, when the rate increases due to banned financial policies, today’s situation seems more conducive to those who want to buy a home. However, there are other factors to consider.
Because the demand for loans is an element to consider
Despite the decline in rates, a contraction in the demand for loans in January 2025, with a A lack of 1 % Compared to the same month of last year. This slowdown is partially linked to a common drop in access to funds through businesses and increasing more content for families.
In fact, business loans decreased by 2.3 % in December 2024, while The families involved have increased Only 0.2 %. These figures highlight a low proportion to borrowing, perhaps due to the economic uncertainty and dedication of consumers and investors.
A low question of debt can reflect a minor will or the ability to take people’s mortgage, which may reduce the demand for homes and, in turn, Possible stagnation of property non -priced prices Or less activity in the market. On the contrary, if the demand for loans is strong, the application of houses increases, which supports prices and liquidity in the real estate market.
Is this the right time to invest?
The interest rate of January 2025 is undoubtedly A positive signalOr for those who are considering entering the real estate market. In fact, the opportunity to get More beneficial funding It makes this moment ideal for people who want to buy a house or invest in property. However, local dynamics must be carefully analyzed and not only relying on rates, but also the possibility of increasing the economic context and the possibility of increasing the selected properties.
In fact, it is important to consider the general economic context and also Future trends. If you decide to move forward with an investment, it is advisable to do deep research about specific sectors in which you plan to invest and carefully evaluate the potential risks, Such as keeping in view the variables, keeping in view the evolution of the market in national and economic policies. And internationally.
